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Description of Coverage
Definitions
“Actual Cash Value”
means purchase price less depreciation.
“Exotic Vehicle” means Alfa Romeo,Aston
Martin,Auburn,Avanti,Bentley,Bertone,BMC/Leyland, BMW M
Series,Bradley,Bricklin,Cosworth,Citroen,Clenet,De Lorean,
Excalibre,Ferrari,Fiat,Iso,Jaguar,Jensen, Jensen
Healy,Lamborghini,Lancia,Lotus,Maserati,MG,Morgan,Opel,Pantera,Panther,Pininfarina,Rolls
Royce,Stutz,Sterling, Triumph,TVR, and Yugo. The Insured must contact Travel
Guard customer service at 1-800-826-1300 before renting to confirm whether the
vehicle is covered.
“Insured” means the person named on the Individual Enrollment Form.
“Insurer” means American Home Assurance Company
“Rental Return Date” is the return date listed on the car rental
agreement.
“Rental Start Date” is the rental date listed on the car rental
agreement.
“Traveling Companion” means a person or persons with whom you have
coordinated travel arrangements and intend to travel with during the Trip. A
group or tour leader is not considered a Traveling Companion, unless you are
sharing room accomidations with the group or tour leader.
“Trip” means a period of round-Trip travel away from home to a
destination outside the Insured's city of residence; the purpose of the Trip is
business or pleasure and is not to obtain health care or treatment of any kind;
the Trip has defined departure and return dates specified when the Insured
applies; the Trip does not exceed 180 days; and the Insured's destination is not
to another home; travel is primarily by Common Carrier and only incidentally by
private conveyance.
Collision Damage
Waiver
The Insurer will pay this benefit up to the
Maximum Limit shown on the Schedule of Benefits. Coverage does not apply in
countries or states where the sale of this insurance is prohibited by law.
If the Insured rents a car while on his/her Trip, and the car is damaged due to
collision, theft, vandalism, windstorm, fire, hail, flood, or any cause not
within the Insured's control while in his/her possession, or the car is stolen
while in the Insured's possession and not recovered, the Insurer will pay the
lessor of: (a) the cost of repairs and rental charges imposed by the rental
company while the car is being repaired; or (b) the Actual Cash Value of the
car.
Coverage is provided to the Insured and his/her Traveling Companion, providing
the Insured and his/her Traveling Companion are licensed drivers, and are listed
on the rental agreement. This coverage is primary to other forms of insurance or
indemnity.
In addition to the General Exclusions, coverage is not provided for loss due to:
(a) any obligation the Insured or his/her Traveling Companion assume under any
agreement (except insurance collision deductible); (b) rental of trucks,
campers, trailers, off-road or four wheel drive vehicles, motor bikes,
motorcycles, recreational vehicles, or Exotic Vehicles; (c) any loss which
occurs if the Insured or his/her Traveling Companion are in violation of the
rental agreement; (d) failure to report the loss to the proper local authorities
and the rental car company; or (e) damage to any other vehicle, structure, or
person as a result of a covered loss.
The Insured's Duties in the Event of
Loss: The Insured must: take all reasonable, necessary steps to
protect the vehicle and prevent further damage to it; report the loss to the
appropriate local authorities and the rental company as soon as possible, obtain
all information on any other party involved in an accident, such as name,
address, insurance information, and driver's license number; and provide the
Insurer all documentation such as rental agreement, policy report, and damage
estimate.
Payment of Claims
Claim Procedure: Notice of Claim:
The Insured must call Travel Guard as soon as reasonably possible, and be
prepared with what coverage the loss was under (i.e., Collision Damage Waiver),
the name of the company that arranged the Trip (i.e., tour operator, cruise
line, or charter operator), the Trip dates, and the amount that the Insured
paid. Travel Guard will fill in the claim form and forward it to the Insured for
his or her review and signature. The completed form should be returned to Travel
Guard Group, Inc., 1145 Clark Street, Stevens Point, Wisconsin 54481. (Telephone
1-715-345-0505 or 1-800-826-7791). All claims of California residents will be
administered by Mercury Administrator Services, LLC.
Claim Procedure: Proof of Loss: The claim forms must be sent back to
Insurer no more than 90 days after a covered loss occurs or ends, or as soon
after that as is reasonably possible. All claims under the policy must be
submitted to Travel Guard no later than one year after the date of loss or
insured occurrence or as soon as reasonably possible. If Insurer has not
provided claim forms within 15 days after the notice of claim, other proofs of
loss should be sent to Insurer by the date claim forms would be due. The proof
of loss should include written proof of the occurrence, type and amount of loss,
the Insured's name, the participating organization name, and the policy number.
General Provisions
Acts of Agents—
No agent or any person or entity has authority to accept service of the required
proof of loss or demand arbitration on the Insurer's behalf nor to alter, modify
or waive any of the provisions of the policy.
Autopsy— The Insurer at it's own expense, may require an autopsy
where permitted by law.
Insurer's Recovery Rights— In the event of a payment under the
policy, the Insurer is entitled to all rights of recovery that the Insured, or
the person to whom payment was made, has against another. The Insured must sign
and deliver to the Insurer any legal papers relating to that recovery, do
whatever is necessary to help the Insurer exercise those rights, and do nothing
after the loss to harm the Insurer's rights. When an Insured has been paid
benefits under the policy but also recovers from another policy, the amount
recovered from the other policy shall be held in trust for the Insurer by the
Insured and reimbursed to the Insurer the extent of the Insurer's payment. The
provision does not apply to North Carolina.
Legal Actions— No one may sue for benefits less than 60 days after
due proof of loss is submitted, nor more than 3 years (or the minimum period of
time permitted by state law, if greater) after the date claim forms are due.
Payment of Premium— Coverage is not effective unless all premium
due has been paid to Travel Guard prior to a date of loss or insured occurrence.
Termination of the Policy— Termination of the policy will not
affect a claim for loss which occurs while the policy is in force.
Transfer of Coverage— Coverage under the policy cannot be
transferred by the Insured to anyone else without prior written consent.
Notice to California residents: The plan contains disability
insurance benefits or health insurance benefits, or both, that only apply during
your covered Trip. You may have coverage from other sources that already
provides you with these benefits. You should review your existing policies. If
you have any questions about your current coverage, call your insurer or health
plan.
Notice to Florida residents: The benefits of the policy providing
your coverage are governed by the law of a state other than Florida.
Notice to North Carolina residents: In North Carolina, insurance
is underwritten by National Union Fire Insurance Company of Pittsburg,PA., on
Policy series 52735MO.
Notice to Texas residents: The policy may provide a duplication of
coverage already provided by your personal auto insurance, homeowner's, personal
liability policy, or other source of coverage.
Underwritten by American Home Assurance Company, with its
principal place of business at 70 Pine Street, New York, New York 10270. It is
currently authorized to transact business in all states and the Direct of
Columbia. NAIC No. 19380.
This is only a brief description of the insurance coverage(s) available under,
policy series T30253AHAC. The Policy contains reduction, limitation, exclusions,
and termination provisions. Full details of the coverage are contained in the
Policy. If there are any conflicts between this document and the Policy, the
Policy shall govern.
008370-CT-P1 12/02 1/04
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